Financial protection when the car has problems
According to the Ninety Eight Auto Auto Repair, Maintenance and Care Center (Thu Duc City, Ho Chi Minh City), property insurance may be a worthwhile choice, especially for beginners or frequent users of the car.
Participating in insurance does not mean subjectivity when driving, but aims to reduce financial risks when incidents occur.
When a collision occurs, compensation will be based on the cause, diễn biến of the incident, level of damage and terms in the contract. In case the car owner or driver is at fault, the insurance company can still compensate if the damage is within the scope of insurance and does not fall into the cases of exclusion or reduction according to the contract.
If the accident involves a third party, the determination of responsibility and settlement of rights will be based on the file, the diễn biến of the incident and the agreement in the contract. After compensation, the insurance company may exercise the right to request a third party to return it within the scope prescribed by law and contract.
Things to note when an accident occurs
One of the issues car owners need to pay attention to is the scene of the incident. Not having enough information about the scene or not following the correct notification and appraisal procedures can affect the settlement of compensation, depending on the terms of each contract.
When an incident occurs, vehicle owners should quickly contact the insurance company, record the scene and maintain the vehicle's current condition in the permitted safety conditions. At the same time, it is necessary to follow the instructions on inspection, providing information and related documents.
In case it is necessary to move vehicles to ensure safety for people and property or at the request of functional agencies, vehicle owners should notify the insurance company and save images and information about the scene if possible.
In addition, the insurance contract may stipulate the deduction level that the car owner must pay themselves when losses arise. This level depends on the enterprise, product and agreement in the contract.
Therefore, buyers need to carefully read the scope of insurance, deduction level, exclusion cases and compensation settlement procedures before signing.
Vehicle owners or people with related rights and responsibilities also need to coordinate to provide information, documents and sign necessary dossiers as required by the insurance company to serve the compensation settlement process.
Choose a suitable repair facility
When purchasing car physical damage insurance, car owners should also inquire in advance about regulations on repair facilities and payment methods. Depending on the contract, the insurance company may have a network of affiliated repair facilities or separate regulations on choosing a repair location.
Car owners can choose repair facilities with experience in handling insurance records to be supported in the process of contacting for inspection, determining damage and preparing repair plans.
However, how much repair facilities can perform these tasks depends on the regulations of the insurance company and the content of the contract.
If you already have a familiar repair facility, car owners should check in advance whether this unit is in the linkage network of the insurance company or is approved for repair under the contract. This helps to limit problems when the car needs to be repaired after an accident.
